Oregon vs Pennsylvania Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Oregon is $80/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 8.4%).

Rate & Coverage Comparison

Attribute	Oregon	Pennsylvania
Avg Annual Premium	$1,680	$1,760
Min Liability	$550	$580
Full Coverage	$1,680	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	8.4%	7.6%
Registered Vehicles	3,475,160	10,662,460
Accidents/Year	52,127	159,936
Population	4,238,000	13,003,000

Minimum Coverage Requirements

Oregon

25/50 / 20 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

OregonFull rates, age breakdown, requirements →PennsylvaniaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Oregon or Pennsylvania?

Oregon has cheaper car insurance, with an average annual premium of $1,680 compared to $1,760 in Pennsylvania - a difference of $80 per year.

How do Oregon and Pennsylvania compare on fault systems?

Oregon uses a at-fault (tort) system while Pennsylvania uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Oregon vs Pennsylvania?

Oregon requires 25/50 / 20 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $550/yr in Oregon and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Oregon or Pennsylvania?

Oregon has a higher uninsured driver rate at 8.4%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oregon vs Pennsylvania insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Oregon

Pennsylvania

Avg Annual Premium

$1,680

$1,760

Min Liability

$550

$580

Full Coverage

$1,680

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

8.4%

7.6%

Registered Vehicles

3,475,160

10,662,460

Accidents/Year

52,127

159,936

Population

4,238,000

13,003,000